we know what's going to happen if we go over the fiscal cliff, our economy is going to rise because of our taxes going up, but who is really in control of our personal expenditures and income? >> absolutely, kelly. you hit a key point and you are in control. i think along with that hope and that consumer confidence that we've been talking about, there is clearly fear with many consumers, people don't know what's going to happen with their income taxes and long-term capital gains. something that everybody needs to be aware of, alternative minimum tax. this is something that people don't know that much about, but more than 30 million americans could get hit with this amt at about $3,000 extra on your tax bill. these are some of the things you need to sit down and be aware of and back to your point, kelly, that's up to you to take control. >> kelly: so, get educated. caroline, i wish we had more time to talk to you. that's a very he interesting topic there, amt and fear uncertainty and thank you for joining us, merry christmas. >> merry christmas. ♪ >> there's a new health warning to te